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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,184,896 | $108,285+994.2% | $77,552+1427.9% | $158,982+645.3% |
| Participation rate | 100.0% | 64.4%+35.6pp | 54.2%+45.8pp | 82.0%+18.0pp |
| Annual return | 20.46% | 31.69%-11.2pp | 54.82%-34.4pp | 302.99%-282.5pp |
| Employer contribution / active EE | $0 | $1,325-100.0% | $987-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $23,000 | $2,455+836.7% | $1,861+1136.0% | $5,983+284.4% |
| Admin fee / account holder | $70,851 | $3,709+1810.2% | $2,859+2378.1% | $11,252+529.7% |